What is The Farmers & Merchants State Bank's financial health grade?

The Farmers & Merchants State Bank has a TFS Financial Health Grade of C- (score: 70.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The Farmers & Merchants State Bank have?

The Farmers & Merchants State Bank has 41 branch locations across the United States.

Is The Farmers & Merchants State Bank FDIC insured?

Yes, The Farmers & Merchants State Bank is FDIC insured (Certificate #5969).

What are the total assets of The Farmers & Merchants State Bank?

The Farmers & Merchants State Bank has total assets of $3.4B as reported in its most recent FDIC filing.

The Farmers & Merchants State Bank

BankArchbold, Ohio

www.fm.bank

Total Assets

$3.4B

Total Deposits

$2.7B

Branches

Established

1897

TFS Health Grade

C-

70.3 / 100

Average financial health

How we grade

The Farmers & Merchants State Bank is a bank headquartered in Archbold, Ohio, established in 1897. With $3.4B in total assets and 41 branch locations, it has a TFS Financial Health Grade of C- (70.3/100).

Capital & Safety

Tier 1 Capital Ratio

9.47%(8%)

Total Capital Ratio

12.53%(10%)

Non-Performing Loan Ratio

0.41%

Profitability

Return on Assets (ROA)

1.03%(1%)

Return on Equity (ROE)

9.32%(10%)

Net Interest Margin

3.38%

Efficiency Ratio

59.85%(60%)

Lending & Liquidity

Total Loans

$2.7B

Loan-to-Deposit Ratio

98.35%

Net Charge-Off Ratio

Other banks in Ohio

JPMorgan Chase Bank, National Association

Bank

Columbus, OH

$3752.7B

C-

U.S. Bank National Association

Bank

Cincinnati, OH

$676.1B

D+

The Huntington National Bank

Bank

Columbus, OH

$224.0B

C+

Fifth Third Bank, National Association

Branch	Address	City	State	Type
The Farmers & Merchants State BankHQ	307 N Defiance St	Archbold	OH	11
The Farmers & Merchants State Bank	2310 N Wayne St	Angola	IN	11
The Farmers & Merchants State Bank	406 Smaltz Way	Auburn	IN	11
The Farmers & Merchants State Bank	100 Ushy 27 N	Berne	IN	11
The Farmers & Merchants State Bank	111 Oak Forest Dr	Bluffton	IN	11
The Farmers & Merchants State Bank	200 S Broadway St	Butler	IN	11
The Farmers & Merchants State Bank	1118 S 13th St	Decatur	IN	11
The Farmers & Merchants State Bank	5909 Bluffton Rd	Fort Wayne	IN	24
The Farmers & Merchants State Bank	12106 Lima Rd	Fort Wayne	IN	11
The Farmers & Merchants State Bank	128 West Wayne St.	Fort Wayne	IN	11
The Farmers & Merchants State Bank	7370 Illinois Rd	Fort Wayne	IN	11
The Farmers & Merchants State Bank	215 E Line St	Geneva	IN	11
The Farmers & Merchants State Bank	150 W Washington St	Monroe	IN	11
The Farmers & Merchants State Bank	102 N Jefferson St	Ossian	IN	11
The Farmers & Merchants State Bank	1451 N Meridian St	Portland	IN	11
The Farmers & Merchants State Bank	220 Park Street	Birmingham	MI	11
The Farmers & Merchants State Bank	3001 W Big Beaver Rd	Troy	MI	11
The Farmers & Merchants State Bank	403 S Pike St	Anna	OH	11
The Farmers & Merchants State Bank	620 S Clydes Way	Archbold	OH	23
The Farmers & Merchants State Bank	620 S Clydes Way	Archbold	OH	23
The Farmers & Merchants State Bank	1072 N Main St	Bowling Green	OH	11
The Farmers & Merchants State Bank	1000 S Main St	Bryan	OH	11
The Farmers & Merchants State Bank	22973 Defiance Pike	Custar	OH	11
The Farmers & Merchants State Bank	1175 Hotel Dr	Defiance	OH	11
The Farmers & Merchants State Bank	101 Main St	Delta	OH	11
The Farmers & Merchants State Bank	1660 Tiffin Ave	Findlay	OH	11
The Farmers & Merchants State Bank	100 N Main St	Hicksville	OH	11
The Farmers & Merchants State Bank	115 E Pike St	Jackson Center	OH	11
The Farmers & Merchants State Bank	1150 E Main St	Montpelier	OH	11
The Farmers & Merchants State Bank	2255 Scott St	Napoleon	OH	11
The Farmers & Merchants State Bank	335 South College Avenue	Oxford	OH	11
The Farmers & Merchants State Bank	7001 Lighthouse Way	Perrysburg	OH	11
The Farmers & Merchants State Bank	101 E Court St	Sidney	OH	11
The Farmers & Merchants State Bank	300 South Defiance Street	Stryker	OH	11
The Farmers & Merchants State Bank	7 Turtle Creek Cir	Swanton	OH	11
The Farmers & Merchants State Bank	5830 Monroe St	Sylvania	OH	11
The Farmers & Merchants State Bank	120 N Summit St.	Toledo	OH	11
The Farmers & Merchants State Bank	120 N Main St	Urbana	OH	11
The Farmers & Merchants State Bank	8720 Waterville Swanton Rd	Waterville	OH	11
The Farmers & Merchants State Bank	1130 N Shoop Ave	Wauseon	OH	11
The Farmers & Merchants State Bank	200 W Jackson St	West Unity	OH	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Institution Details

Institution TypeBank

FDIC Certificate #5969

Primary RegulatorFDIC

FDIC/NCUA InsuredYes

Data sourced from FDIC / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.

The Farmers & Merchants State Bank

Capital & Safety

Profitability

Lending & Liquidity

Other banks in Ohio

JPMorgan Chase Bank, National Association

U.S. Bank National Association

The Huntington National Bank

Fifth Third Bank, National Association

Growth

Institution Details

KeyBank National Association

First Financial Bank